Most AI tools work by asking for details such as age, the incident type, and some financial figures—then producing a number that appears to estimate a potential settlement. That can be useful for getting your bearings, but it’s not a substitute for legal evaluation.
Here’s what an automated estimate typically misses:
- South Carolina-specific case handling realities (including how insurers evaluate risk and how disputes are framed).
- Causation disputes—common when multiple events contribute to the fatal outcome or when the defense questions medical links.
- Evidence gaps—police reports, scene documentation, maintenance records, and witness statements often aren’t fully available at the time an AI form asks for answers.
- Insurer strategy—adjusters may delay, request additional information, or posture differently than an algorithm assumes.
In short: an AI tool can help you identify questions to ask. It cannot replace the legal work that determines what your claim is actually worth.


